Updated September 29, 2026 · BorrowCue Editorial Team
Creduma ES vs Finmercado ES
Creduma ES vs Finmercado ES: the differences
| Compare |  Creduma ES |  Finmercado ES |
|---|---|---|
| Loan amount | from €12,000 | €200 to €30,000 |
| Arrangement fee | 0 EUR upfront: no advance commissions and no initial payments, fees charged only if a real solution is obtained | 0 EUR |
| Credit check | Soft prequal | Hard |
| Funding time | Offer in under 24 hours; money in the account in 7 days after signing | Same-day approval (24h offers listed); the lender transfers the amount after approval, timing depends on each lender |
| Eligibility | Residents in Spain aged 18 or over who own a property used as collateral (aval hipotecario) | Minimum age 18; customers in Spain; DNI or NIE, proof of income and recent bank statement (partner offers e.g. ABANCA list age 18-59) |
| Loan types | Secured, Debt consolidation | Personal, Payday, Debt consolidation |
| APR | Not confirmed | 0% to 36% |
| Term | Not confirmed | 2 to 12 months |
| Representative example | Not confirmed | Loan of 300 EUR repaid in 6 monthly instalments (180 days): about 55 EUR per month, total interest 30 EUR (TAE = 20%), total amount repayable 330 EUR |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Poor | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Lender type (Broker).
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Key differences
- Finmercado ES scores higher overall: 8.8 vs 8.7.
- Loan types: only Creduma ES offers Secured.
- Loan types: only Finmercado ES offers Personal, Payday.
Our verdict on each
Creduma ES
Creduma suits adults living in Spain who own property to pledge as collateral and prefer broker guidance through secured borrowing. Loans sit at from €12,000 with a rapid initial offer followed by payout after a waiting period after signing for debt consolidation needs.
Finmercado ES
Finmercado ES suits borrowers in Spain who want to see partner offers quickly and pay no arrangement fee for the search. Rates of 0% to 36% mean the cheapest and the highest deals sit far apart, so the rate you are offered matters more here than the headline.
Score breakdown
| Area | Creduma ES | Finmercado ES |
|---|---|---|
| Cost | Not confirmed | 9.7An origination fee of 0 EUR and a percentage fee of 0%, so cost depends on the rate alone. |
| Offer | 9.1HigherOffer strength reflects secured debt consolidation scope at from €12,000 for remortgage and home equity | 8.5 |
| Trust | 8.4HigherTrust reflects brokerage under FINANSI GROUP, S.L. (CIF B66240672) based in ES | 8.3 |
Feature by feature
| Loan types | Creduma ES | Finmercado ES |
|---|---|---|
| Personal | No | Yes |
| Payday | No | Yes |
| Debt consolidation | Yes | Yes |
| Secured | Yes | No |
From lowest to highest
| Fact | Creduma ES | Finmercado ES |
|---|---|---|
| Loan amount | from €12,000 | €200 to €30,000 |
How they place
| Ranking | Creduma ES | Finmercado ES |
|---|---|---|
| Debt consolidation loans | 13 of 425 | 14 of 425 |
Every fact side by side
| Fact | Creduma ES | Finmercado ES |
|---|---|---|
| Features | Not confirmed | Same day funding |
| Legal entity | Not confirmed | SIA JEFF |
| Headquarters | Not confirmed | Latvia |
| Support channels | Not confirmed | Email, Help centre |
Mortgages
| Fact | Creduma ES | Finmercado ES |
|---|---|---|
| Product fee | €0 | Not confirmed |
| Purpose | Remortgage, Home equity | Not confirmed |
Where each stands against the rest
| Fact | Creduma ES | Finmercado ES | Median |
|---|---|---|---|
| APR | Not confirmed | 0% to 36%lowest quarter | 8.99 |
| Loan amount | from €12,000below the median | €200 to €30,000below the median | €40,000 |
| Term | Not confirmed | 2 to 12 monthslowest quarter | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Creduma ES
Pros
- Free upfront handling through €0, with charges only where a solution is obtained
- Soft prequalification through soft prequal limits early credit footprint during comparison
- Access for poor credit profiles under poor where property equity supports the request
Cons
- Broker handling under broker adds an intermediary step compared with borrowing directly from Fidea
- Support runs on email and phone only, which limits choice for borrowers who prefer live chat help
- Loan scope stays within secured and debt consolidation, so unsecured borrowing is outside the model
Finmercado ES
Pros
- The origination fee is 0 EUR, so finding and comparing partner offers costs nothing.
- Approval is advertised for the same day, and the lender releases the amount once it accepts.
- Loan sizes sit inside €200 to €30,000 and repayment terms inside 2 to 12, so a small sum and a larger plan are handled through the same application.
Cons
- Repayment terms of 2 to 12 are shorter than the 48 seen across personal loans here, so a large balance has to clear fast.
- A hard credit check runs on every application, and 44.9% of this category is aimed at borrowers with poor credit, which sets the bar for approval.
- Support runs on email and help centre only, while phone lines cover 85.3% of this market.
Who each suits
Creduma ES
Who it suits
- Adults in Spain who own residential property and seek secured consolidation beyond the modest limits at AXI Card Tarjeta y Credito
- Borrowers with poor credit seeking broker help, where property backing may open options unavailable from Ibancar Prestamos
Who should look elsewhere
- Borrowers without property to pledge, where Fidea may offer more flexible unsecured routes
- Borrowers seeking small short term credit, where AXI Card Tarjeta y Credito lists loans of up to €1,500
Finmercado ES
Who it suits
- Adults in Spain with DNI or NIE, proof of income and a recent bank statement who want to see partner offers quickly.
- Borrowers after a fee-free search and same-day approval, who can live with a rate landing anywhere in 0% to 36%.
- Anyone consolidating existing balances, since personal, payday and debt consolidation covers consolidation loans alongside personal and payday borrowing.
Who should look elsewhere
- Readers who want a single known band rather than a wide range: Monzo Flex runs at 10% to 23%, which sits inside 0% to 36%.
- Anyone comparing offers quoted in pesos: Cashspace lists PHP 12 to PHP 36 in another currency, so the two lists are not priced alike.
- Borrowers shopping only on the starting rate: Cashspace ES shows 0%, and because 0% to 36% can start at the same level, the top of the band is what separates the two.
Current offers
Creduma ES
Current offer
Discount code
Free financial case study (estudio gratuito): 0 EUR, no upfront payment
Prequalification study with no commitment; fees are only charged if a real solution is obtained, with no advance commissions or initial payments
Source, checked September 26, 2026
Country by country
| Country | Creduma ES | Finmercado ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Creduma ES
Is Creduma a direct lender?+
Creduma arranges secured loans and debt consolidation through partner lenders, acting as a broker rather than funding loans itself under broker. That means assessment and offer terms come from the funding partner, while Creduma guides the application and documentation.
Who can apply for Creduma?+
Applicants are adults resident in Spain who own property that can serve as mortgage collateral. Eligibility centres on property ownership and residence, which allows consideration of poor credit profiles under poor where income and equity support repayment.
Finmercado ES
What rate of interest applies?+
The rate range is 0% to 36%, a wide band holding both a very low rate and a high rate. Where you land inside it depends on your credit profile and the partner lender who accepts your application. The 12% seen across lenders here sits well inside that band, so treat the middle as a realistic target rather than the floor.
Does Finmercado ES charge a fee?+
The origination fee is 0 EUR, so the search itself costs nothing. Once a partner lender takes you on, its own charges and its rate are what you repay, and those come from the lender rather than the broker. Read the representative example at that point, because the fee for arranging the loan and the interest on it are separate lines.
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